Commercial auto is about more than the vehicle.
Use, ownership, drivers, garaging, radius of operation, cargo, trailers, and contractual requirements may all affect coverage options. Veronica can help you gather the right starting information and understand the questions carriers may ask.
Common points to discuss
- Owned, leased, hired, or non-owned vehicles
- Business use of personal vehicles
- Employee drivers and driver records
- Tools, equipment, trailers, and permanently attached items
- Delivery, service, contracting, or transportation exposures
- Required liability limits and certificates of insurance
- Physical damage, roadside needs, and uninsured motorist options
Bring the details you already have.
A vehicle list, VINs, driver information, current declarations pages, certificates, and a short description of how each vehicle is used can make the next step easier. You do not need a polished submission to begin.
Content reviewed by Veronica Hicks, independent insurance broker · NPN 21360893 · Updated August 8, 2026.